CACC is the ticker symbol for CREDIT ACCEPTANCE CORP, a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks CACC with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is CACC a good stock to buy?

13F Pro's AI ranking engine scores CACC at 67.8/100, ranked #345 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for CACC is available at https://13fpro.ai/company/CACC. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source CACC data?

All CREDIT ACCEPTANCE CORP fundamentals and ownership data come directly from SEC EDGAR. CREDIT ACCEPTANCE CORP files with the SEC under CIK 885550. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

CREDIT ACCEPTANCE CORP CACC

NasdaqMid CapFinancials

13F Pro quality score

Rank #345 of 2,925TOP 25%

Why it scores 68 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$587.40M

Quarter to Jun 30

Net income

$135.90M

Quarter to Jun 30

Free cash flow

$307.90M

Quarter to Jun 30

Operating margin

28.7%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$4.83B total

Prescott General Partners LLC

$914.96M0.0%

BlackRock, Inc.

$408.85M+177.2%

Boston Partners

$365.10M+2.4%

GOBI CAPITAL LLC

$228.00M0.0%

BECK MACK & OLIVER LLC

$194.83M-1.0%

WELLINGTON MANAGEMENT GROUP LLP

$165.61M+0.5%

DIMENSIONAL FUND ADVISORS LP

$151.19M+2.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

$143.42M+30.7%

Universal- Beteiligungs- und Servicegesellschaft mbH

$136.06M-7.6%

VANGUARD CAPITAL MANAGEMENT LLC

$132.70M-2.2%

Smead Capital Management, Inc.

$126.59M-5.5%

STATE STREET CORP

$112.65M+87.7%

GOLDMAN SACHS GROUP INC

$107.62M+171.4%

FMR LLC

$103.44M+55.8%

UBS Group AG

$97.78M+145.4%

Axxion S.A.

$89.61M--

AMERICAN CENTURY COMPANIES INC

$75.92M+30.0%

RV Capital AG

$68.94M-12.8%

GOODNOW INVESTMENT GROUP, LLC

$67.58M-8.8%

NORTHERN TRUST CORP

$66.21M+17.0%

GEODE CAPITAL MANAGEMENT, LLC

$63.00M-3.5%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$58.31M+0.7%

Alfreton Capital LLP

$57.31M-21.7%

MORGAN STANLEY

$55.79M+14.6%

SMITH THOMAS W

$52.93M-12.4%

See all 300 institutional holders →

What's Driving CACC's Business? Latest 10-Q Breakdown

21/21 datapoints verified

AI-extracted from the 10-Q filed 2026-08-04 — Q2 2026 (six months ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income increased 40.3% YoY to $271.7M for H1 2026 as provision for credit losses fell 10.7% and interest expense declined 7.3%.

Biggest Revenue Drivers

Finance charges$1,084.6M+1.6% YoY

Higher contractual yields on recent Consumer Loan assignments, partially offset by lower average net Loans receivable balance.

Premiums earned$47.8M+0.4% YoY

Vehicle service contract and GAP reinsurance premiums recognized over policy life.

Biggest Revenue Drivers

Total revenue: $1,167.4M+1.1% YoY

Finance charges$1,084.6M+1.6% YoY

Higher contractual yields on recent Consumer Loan assignments, partially offset by lower average net Loans receivable balance.

Premiums earned$47.8M+0.4% YoY

Vehicle service contract and GAP reinsurance premiums recognized over policy life.

Other income$35.0M-12.3% YoY

Ancillary product profit sharing, interest income, and remarketing fees from vehicle sales.

Largest Expense Items

Provision for credit losses$298.8M-10.7% YoY

Smaller decline in Consumer Loan performance and timing adjustments; includes $136.0M forecast changes and $162.8M on new assignments.

Interest expense$215.8M-7.3% YoY

Lower average cost of debt (6.8% vs 7.2%) and reduced average outstanding debt balance.

Operating expenses$275.3M-5.4% YoY

Lower general and administrative costs and salaries, partially offset by higher sales and marketing investment.

Provision for claims$33.9M-5.6% YoY

Incurred-but-not-reported claims on reinsured vehicle service contracts.

Margins: Operating margin improved substantially with provision for credit losses declining 10.7% YoY, reflecting more stable Consumer Loan performance trends and timing adjustments. Interest expense also declined 7.3% due to lower debt costs and reduced leverage, supporting overall profitability expansion despite modest revenue growth.

Watch Items from the Filing

Forecasted net cash flows declined $48.2M (0.4%) in H1 2026 vs $76.7M (0.7%) in H1 2025; Consumer Loans assigned 2021–2024 show cumulative underperformance of 0.2–8.8% vs initial forecast.
Consumer Loan assignment volume declined 2.8% YoY to 180,607 units; dollar volume down 2.0% to $2.1B despite monthly unit volume returning to YoY growth in June and continuing into July.
Purchased Loans represent 34.8% of dollar volume as of June 30, 2026 (up from 27.6% at Dec 31, 2025), creating higher provision burden per assignment but less Dealer Holdback mitigation.
Settlement discussions ongoing for New York AG and multi-state regulatory matters; preliminary alignment reached on $75.5M cash payment; parties agreed on material settlement terms as of June 6, 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

13fpro.ai/company/CACC

Earnings Per Share

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CREDIT ACCEPTANCE CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$2.3B	$423.9M	24.4%
FY 2024	10-K	$2.2B	$247.9M	15.2%
FY 2023	10-K	$1.9B	$286.1M	19.3%
FY 2022	10-K	$1.8B	$535.8M	38.8%
FY 2021	10-K	$1.9B	$958.3M	67.9%
FY 2020	10-K	$1.7B	$421.0M	32.9%

About CREDIT ACCEPTANCE CORP (CACC): stock profile, AI score and financials

CREDIT ACCEPTANCE CORP (CACC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CACC at 67.8/100 on a composite quality score built from its SEC filings, placing it at rank #345 of 2,925 stocks — the top 25% of the AI-ranked universe. CACC scores in the top quartile across free cash flow (95.6), institutional flow (87.8), earnings quality (83.4). Shareholder dilution risk is elevated at 37.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CREDIT ACCEPTANCE CORP reports quarterly revenue of $587.4M, net income of $135.9M, an operating margin of 28.7%. Top institutional holders of CACC by reported 13-F value include Prescott General Partners, BlackRock, Boston Partners, based on the most recent SEC filings. CACC trades on the Nasdaq exchange and files with the SEC under CIK 885550. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CACC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CREDIT ACCEPTANCE CORP directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 885550 →

CREDIT ACCEPTANCE CORP CACC

Top Institutional Holders

What's Driving CACC's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

CACC key financials by period

CACC insiders

About CREDIT ACCEPTANCE CORP (CACC): stock profile, AI score and financials

CREDIT ACCEPTANCE CORP CACC

Top Institutional Holders

What's Driving CACC's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

CACC key financials by period

Companies similar to CACC

CACC insiders

About CREDIT ACCEPTANCE CORP (CACC): stock profile, AI score and financials